Commercial Insurance That Protects Your Business
Comprehensive protection designed around your vehicles, daily operations, employees, and business risks to keep your company moving forward safely.
Coverage Built for the Road Ahead
From owner-operators and new ventures to established motor carriers and fleets, ARX helps transportation businesses navigate the insurance needs that come with keeping freight moving.
Protect Your Business from Every Angle
Business insurance isn't a single product — it's a tailored combination of coverages designed to protect your assets, your employees, and your reputation.
General Liability
Protection when accidents, injuries, or claims threaten the work you've built.
Business Owner's Policy
Streamlined bundle combining liability and property coverage for small to mid-sized businesses.
Commercial Property
Coverage for buildings, equipment, inventory, and furniture against fire, theft, and severe weather.
Workers' Compensation
Essential coverage for employee injuries and state compliance requirements.
Commercial Auto
Liability and physical damage protection for the vehicles your business relies on.
Errors & Omissions
Professional liability for consultants, real estate agents, tech companies, and service providers.
Insurance That Works as Hard as You Do
As an independent agency, we don't work for the insurance carriers — we work for you. That means our loyalty is to finding the right protection for your unique situation.
Multi-Line Expertise
Deep knowledge across trucking, business, and surety markets — all under one roof.
Personalized Guidance
Licensed professionals who understand your industry and take time to explain your options.
Proactive Risk Management
We help you avoid claims before they happen, not just pay them after they occur.
Ready to Protect What You've Built?
Whether you're on the road, on the job site, or running your business, ARX delivers tailored commercial coverage backed by deep industry knowledge. Let's find the right protection for your operation.
Commercial Insurance FAQs
Trucking, business, and compliance questions — answered in plain English.
Primary auto liability covers you while you’re operating under dispatch — it’s the federally required coverage. Bobtail insurance covers you when driving without a trailer, and non-trucking liability covers personal use of your truck when you’re not under dispatch. Many owner-operators need a combination, and mixing them up is one of the most common (and costly) mistakes we see.
Start with primary auto liability at the FMCSA-required limits, motor truck cargo coverage, and physical damage for your equipment. From there, general liability and workers’ comp round out the package most shippers and brokers expect to see before they’ll work with you.
A BOP bundles general liability and commercial property coverage into one streamlined, usually more affordable package for small to mid-sized businesses. If you run a contracting shop, retail store, restaurant, or professional office, a BOP is often the simplest starting point.
Indiana requires most businesses with employees to carry workers’ compensation insurance. Beyond compliance, it protects your team — and your business — when a workplace injury happens. We make sure your classification codes are right so you’re not overpaying.
The biggest levers: clean loss history, documented safety programs, higher deductibles where you can absorb the risk, and bundling multiple policies with carriers that reward it. As an independent agency, we re-shop your coverage at renewal so you’re never paying last year’s price out of habit.